Trusted by 2000+ customers

The bank account
built for immigrants

Spend, save and manage your money, with a Stilt bank account. Start immediately with our virtual debit cards.

Get Started

No SSN requiredvisa and passportReady in 5 minutes

Y Combinator
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The American GeniusForbes

No Fees

Instant use virtual debit card

Instant Debit Card

Physical Debit Card

P2P Transfers

Apple Pay.  Google Pay.  Samsung Pay.

Build Credit

Pay friends and roommates on Stilt in seconds


No minimum balance required

Privacy and Security

Manage subscriptions from within the app

Privacy and Security at your fingertipsInternational Certificate CheckUser Session Monitoring
     5 out of 5 stars

The outstanding speed of application processing made the money fall into my account in 2 days time.

Greg D

Build Credit

The account designed for immigrants, and visa holders. You can sign up from the comfort of your home.

  • No minimum deposit required
  • Zero Fees. No overdraft fee. No NSF Fee. No Fees Ever.
  • Save $342 per in fees charged by other banks
  • No hidden fees


Pay normal bills and we will report it to credit bureaus, Build credit minus the debt, Build credit without a security deposit. Watch Netflix. Build Credit.

  • Build credit. No Security deposit required.
  • 0 to 850 - Get started on your credit score journey
  • A perfect credit score without the debt.
  • The easiest way to build credit. Just one click.
Trusted by 2000+ customers

Other Features

Discounts on ethnic products and channels like TV services, Cricket, Music shows, etc.

Apple / Google Pay

Pay bill in your home country

Track Spending

Take care of your family's finances


Help support your family from the US

Get Started

Frequently Asked Questions

We take privacy and security seriously. Your data is safe with us.

  • What is Stilt?

    Stilt Inc. is a financial technology company located in San Francisco. We are revolutionizing the way individuals build and access credit. We help people with limited or zero credit history in the U.S.

  • What interest rate will I get?

    Our minimum APR is 7.99% and the maximum APR depends on your state. Your exact rate will depend on your creditworthiness and can only be known after you apply for a loan.

  • What is the eligibility criteria for Stilt loans?

    The minimum eligibility criteria is - you have to be physically present in the U.S. with a U.S. bank account in your name and a U.S. address.

  • Will checking my rate impact my credit score?

    No, we do only a soft pull to give you a rate. This will not impact your credit score. We will only do a hard pull after you accept the loan.

  • Can I apply for a loan without an SSN?

    Yes, if you don't have an SSN, you are still eligible to apply. We are focused on helping non-U.S. citizens get a loan that they deserve.

  • Can I get an international loan?

    We offer loans to US immigrants, visa holders, and the underserved who meet our minimum eligibility criteria. No cosigner required.

  • What are the interest rates on international loans?

    The same as regular loans - starting at 7.99% APR. Many Stilt customers use this to refinance their international loans, buy/lease a car, or relocate to a new job.